I have taken out HDFC click2protect Life Insurance of Rs.1.5 Cr cover

I already had LIC Jeevan Saral

Cover

250 Times the Monthly Premium + Return of Premiums (excluding Extra/Rider Prem. & First Year Prem.) + The Loyalty Additions (if any)

Intial cover – Rs. 42.50 lakhs (excluding rider)

Rider

Accidental cover – Rs. 42.50 lakhs (rider)

Therefore initial cover comes to Rs.42.50 lakhs (with an additional  rider of Accidental cover of 42.50 lakhs). The initial Insurance increases every year as I pay yearly premium + expected loyalty.

In the Insurance form I had mentioned Rs.42.50 lakhs as cover. Is this correct ? Do I need to include riders ? or anything else ?

Please advice?